The Pay Off with Sylvia Jeffreys

If you get it, you get it. If you don't, talk to Chris Kohler.  When it comes to complex financial issues, Chris has an unbelievable ability to break it down in a way which ACTUALLY makes sense and cuts through the BS. Today's episode is no different. Chris sits down with Sylvia to talk about the power of "silly" socials, the money lessons his father Alan Kohler taught him, the year's best and worst performing assets, crypto, interest rates, the property ladder, ETFs... The knowledge is endless.  We promise if you hit play on this episode, you won't regret it. See omnystudio.com/listener for privacy information.

What if the secret to building a multi-million brand wasn't about following a grand plan, but just... starting? From navigating the Wild West of early online content creation to bootstrapping her wildly successful fashion label, FAYT, powerhouse entrepreneur Brittney Saunders pulls back the curtain on the REAL hustle. In this episode, Brittney aka. “Just a girl for Newy" opens up leaving school early to pursue a ‘gut feeling’ about entrepreneurship, why she calls BS on companies who don’t stock beyond a Size 12, the daunting process of writing her first book ‘Just Getting Started’ and why you shouldn’t play it in the safe lane.   If you’ve ever wanted to start your own business, or felt like you’ve always been destined for more, make sure you check out this episode. See omnystudio.com/listener for privacy information.

When it comes to questions around money, there’s no shortage of them out there… So this week, we're handing the mic over to YOU. In this special Q&A episode, Australia's most trusted personal finance expert dives deep into the real-world financial dilemmas listeners like you are facing.  From understanding the power of investments to the credit card versus afterpay debate, Effie cuts through the noise with her trademark no-nonsense advice and easy-to-understand explanations.  We’re banking on the fact you’ll walk away from this episode feeling more empowered and confident when it comes to your financial future. See omnystudio.com/listener for privacy information.

"Oh, you're just a little girl with a dream".  Those were the words Sammy Robinson heard after pitching her clothing company idea to a male investor. That company, One Mile, now has two Sydney stores (and growing) and sold out on it's first day of launch back in 2020...  In this episode of The Pay Off, Sammy talks about how she feels being labelled an 'influencer', her early days on social media, building the One Mile brand, being underestimated and why diversifying your income is crucial.See omnystudio.com/listener for privacy information.

Let’s be honest, the thought of tracking every dollar, wrestling with spreadsheets, and saying no to little luxuries? Not exactly thrilling stuff.  What if budgeting wasn’t about restriction though? What if it gave you more freedom, not less?  Enter Jessica Irvine, CommBank’s personal finance guru and perhaps one of the most passionate people about budgeting. In this episode, Jessica proves why budgeting isn’t about cutting back—it’s about taking control.  For more information or to access CommBank's new free Financial Fitness program, visit commbank.com.au/financialfitnessSee omnystudio.com/listener for privacy information.

There’s not much today’s guest can’t do…  You know her as the co-founder of KIC and a woman dedicated to pushing for and promoting the wellbeing of ALL women… And now, she’s taken that passion one (HUGE) step further.  We’re of course talking about the icon herself, Laura Henshaw. In today’s episode, Laura gets candid about what motherhood means to her, why she’s challenging benevolent sexism in her powerful new mini-series ‘Am I Equal?’, the ‘tradwife’ TikTok trend and her overall mission to help women.  See omnystudio.com/listener for privacy information.

Launching a brand isn’t always as glamorous as it seems… I mean, just ask your favourite ‘Gen Z Boss in a Mini’, Rachael Wilde.  The QUEEN of great skin, voluminous hair and million-dollar brand building, Rachael Wilde is the Co-Founder & CMO of tbh skincare and Bouf. If you haven’t heard her name (hello, are you living under a rock?), then there’s a big chance you’ll recognise her face. Rachael’s taken the social media world by storm by pulling back the curtain on EVERYTHING that goes into building a company - from the branding, to the marketing strategy and even the enormity of the backlash.  In today’s episode, Sylvia chats to Rachael about the reality of running multi-million dollar brands in your twenties, why embracing criticism is one of the BEST things you can do and why there’s nothing more empowering than having control of your finances. See omnystudio.com/listener for privacy information.

Investing... It's a hot topic on a lot of people's lips.  What's SO good about investing? How do I even get started? Am I too late to the party?! In today's episode, Sylvia sits down with Alex Vynokur, the Founder and CEO of Betashares (one of the Australia's largest ETF providers and fastest growing asset managers - no biggie).  Alex's personal and professional story isn't just interesting, but inspiring. Having migrated to Australia as a young boy from Ukraine, Alex shares how his childhood helped shape his view on money, that we're all investors (but just don't realise it) and why when it comes to investing "no time is perfect but everyday is perfect"... See omnystudio.com/listener for privacy information.

What if the biggest thing holding you back isn’t your bank balance — it’s your mindset? Dr. Rebecca Ray—clinical psychologist and bestselling author— reveals how money shapes our emotions, fuels our fears, and holds us back.  From financial anxiety to reclaiming control, we’re diving deep into the psychology of money—and how to make it work for you, not against you.See omnystudio.com/listener for privacy information.

Buying your first property is one of life’s most exciting milestones, right?  If you’re looking to buy in Sydney, it will take approximately 6 years if you’re a couple to save a deposit for the median house price… and double that if you’re single. Yep, 12 years.  So, what’s going wrong? When did property become unattainable for so many people? Alice Stolz is Domain’s National Property Editor and the expert on all things housing. From the raging rental crisis, to a market which seemingly only benefits the wealthy, Alice chats to Sylvia about where to invest and why we need to rethink the way we buy property.See omnystudio.com/listener for privacy information.